<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY RESTATED FINANCIAL INFORMATION FOR THE PERIOD
ENDED SEPTEMBER 30, 1995 EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR
THE PERIOD ENDED SEPTEMBER 30,1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           2,953
<INT-BEARING-DEPOSITS>                           1,351
<FED-FUNDS-SOLD>                                 1,426
<TRADING-ASSETS>                                   671
<INVESTMENTS-HELD-FOR-SALE>                      3,619
<INVESTMENTS-CARRYING>                           3,944
<INVESTMENTS-MARKET>                             3,985
<LOANS>                                         39,188
<ALLOWANCE>                                      (858)
<TOTAL-ASSETS>                                  57,559
<DEPOSITS>                                      39,624
<SHORT-TERM>                                     7,432
<LIABILITIES-OTHER>                              3,895
<LONG-TERM>                                      2,109
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        508
<COMMON>                                           350
<OTHER-SE>                                       3,641
<TOTAL-LIABILITIES-AND-EQUITY>                  57,559
<INTEREST-LOAN>                                  2,863
<INTEREST-INVEST>                                  362
<INTEREST-OTHER>                                   615
<INTEREST-TOTAL>                                 3,840
<INTEREST-DEPOSIT>                               1,348
<INTEREST-EXPENSE>                               2,164
<INTEREST-INCOME-NET>                            1,676
<LOAN-LOSSES>                                      194
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                    432
<INCOME-PRETAX>                                    893
<INCOME-PRE-EXTRAORDINARY>                         498
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       498
<EPS-PRIMARY>                                     3.07
<EPS-DILUTED>                                     3.00
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                        413
<LOANS-PAST>                                        43
<LOANS-TROUBLED>                                    31
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   827
<CHARGE-OFFS>                                    (207)
<RECOVERIES>                                        62
<ALLOWANCE-CLOSE>                                  858
<ALLOWANCE-DOMESTIC>                               567
<ALLOWANCE-FOREIGN>                                184
<ALLOWANCE-UNALLOCATED>                            107